Is it fast to increase the credit limit of Bank of Communications credit card?

Is it difficult to increase the credit limit of Bank of Communications credit card?

Bank of Communications Credit Card is the most stringent and compliant bank in the risk control system of almost all banks in China. Bank of Communications has also put a lot of effort into promoting credit cards. Whether it is online promotion or offline promotion, the promotion of credit cards exceeds that of other banks. At the same time, under such strict system risk control, Bank of Communications' approval results are also the fastest.

1. After completing and submitting the network card application information, if you do not meet the application conditions, the system will prompt you that you cannot apply through this channel. Please go to the counter to apply. At this time, it means that you have been rejected, and there is no point in going to the counter. If the situation shown in the picture above occurs, it means that you have passed the preliminary review of the system. As long as there are no mistakes in the subsequent manual review stage, you can get the card in about three days. The card is sent via courier and needs to be activated at the counter.

2. The Bank of Communications will issue the quota via text message after preliminary review by the system. This situation generally does not require manual review. When you get a transportation credit card, the first swipe is important. Remember not to withdraw cash. If your consumption exceeds 50% of the card limit, you will be targeted by the risk control system. Customer service will call to verify whether it is consumed by oneself. The limit of the Bank of Communications card has a lot to do with your personal qualifications. Basically, it’s how much production capacity you have now and how much economic income you have. This is called compliance. Some friends have passed the preliminary review, but in the subsequent manual return visit, they will be asked about the last unit and all contents in your credit report. However, they will be rejected.

3. In short, as long as you have applied for something in the current big data environment, it will be difficult for you to escape the Bank of Communications' credit card approval system. Transportation is difficult, and it is called the stingiest bank by card friends. It’s not that the bank is stingy, it’s that Bank of Communications’ risk control system has detected your bad credit card swiping habits. The system easily picks up how much debt you have on your credit check.

Every consumption you make, whether it is real consumption or virtual consumption, will be recorded. Some cardholders responded that if they log in and pay the bill at night, customer service will call to confirm whether it is you who logged in. If you have a bad habit of swiping your card, you will reduce the amount you swipe. The card will give you no warning or even block the card. Bank of Communications is very generous to friends with good cards or qualifications.

Is the credit limit of Bank of Communications credit card increased quickly?

The speed of credit limit increase of Bank of Communications credit card depends on the usage of the cardholder's credit card. If the credit card is used for consumption every month and the repayment is made on time, Your credit limit will increase quickly; if you don't use your credit card often, your credit limit will increase very slowly.

1. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to Sometimes there are people who want to study, do business, research or travel abroad. Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. "Bank of Communications Pacific Credit Card?" is Bank of Communications' introduction of HSBC's advanced technology and management. The credit card product created with great efforts brings together the dual advantages of global and local, with the theme of "Chinese's Global Card", advocating a new consumer culture and card experience, and providing preferential benefits and considerate services all over the world. In May 2005, when the Bank of Communications was preparing to enter the credit card business, it happened to encounter the smoke in the domestic market: major domestic banks entered the market one after another, and the competition became increasingly fierce; and among the foreign banks, there were even pioneers targeting the Chinese market and joining forces with domestic banks. The bank has established a model in which domestic and foreign banks jointly promote credit cards. Faced with unfavorable competition, how did Bank of Communications reverse its passive situation and gain a leading position in the credit card market? As early as October 2004, before the establishment of Pacific Credit Card Center, Bank of Communications had been thinking about two issues: first, customer positioning; second, the advantages of strategic alliance with HSBC.

2. After a series of evaluation studies, Bank of Communications positioned the customers of this credit card as: "a group of people who have ideals and pursuits in life and career, know how to enjoy, are more willing to struggle, and sometimes achieve success" People who study, do business, research or travel abroad are also a group with high living standards and are willing to try new consumption habits. "Subsequently, Bank of Communications and HSBC jointly launched the "China's Global Card". --"Bank of Communications Pacific Dual Currency Credit Card".

3. A small credit card, but it perfectly integrates Chinese and Western cultures. On the card faces of gold cards and ordinary cards, the earth and the phoenix and koi, which are symbols of nobility and auspiciousness in traditional Chinese culture, are respectively painted, which means "the spirit of the carp jumping over the dragon gate, the majesty of the phoenix dancing in the nine heavens", which combines Chinese culture and The characteristics of HSBC's global services are fully integrated into the small card, giving a precise interpretation of "Chinese's Global Card".

Bank of Communications Credit Card is not afraid of hardships and innovation, and has been committed to providing better services and creating a better life for cardholders, making unremitting efforts to help more Chinese people enjoy the world more easily level of courtesy.

How to increase credit limit quickly with Bank of Communications credit card

The credit card limit is determined based on the applicant’s financial situation and credit situation. There will be many reference factors, such as the nature of the customer’s work, Educational qualifications, income, personal stability, personal social credit, use of other financial products, etc. If you are not satisfied with your credit card limit, you can apply for a limit adjustment.

(1) Temporary limit increase

If you have large consumption needs in a short period of time, you can call the credit card customer service hotline to request a temporary limit increase. If you meet the bank's temporary limit increase, According to the conditions of the quota, the temporary quota adjustment can be realized within 24 hours. The temporary limit is valid for 30 days. After expiration, the credit limit will be automatically restored to the original limit.

(2) Long-term credit limit increase

When you need to increase your credit limit for a long time, you can call the credit card customer service hotline. The bank will process the permanent limit in a timely manner based on the cardholder's credit card status and credit standing. Requirements for limit adjustment:

1. Use credit cards frequently and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped for consumption. Frequent use will definitely help cardholders increase their credit limit as soon as possible.

2. Guarantee the amount of credit card consumption every month. It is best to generate consumption records with a total credit card limit of more than 30 yuan every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Make sure that credit card payments can be repaid in full and on time. This is very important for credit card holders who want to increase their limit. If you cannot repay in full and on time, resulting in a bad credit card repayment record, it will not only affect the cardholder's personal credit report, but also greatly extend the time it takes for the credit card to increase its credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of credit card limit increases to a certain extent. Within the scope of your ability, increase the opportunities for large-scale purchases on credit cards, thereby promoting the increase of credit card limits as soon as possible.

That’s it for the introduction of Bank of Communications credit card: Is it fast to increase the credit limit?